Teacher Pension CalculatorPlain-English estimates for Kansas teachers and school employeesUnofficial
Kansas · KPERS · Free calculator, no login

What will your KPERS pension actually pay?

Estimate your monthly check in KPERS 1, 2 or 3, the date you reach full retirement, and what working longer is worth.

Updated for the KPERS Membership Guide: KPERS 1 & 2, Correctional KPERS 1 & 2, Revised 2/26 · Last reviewed

  • 1.85% of final average salary per year of service (KPERS 1 and 2)
  • 85 points: KPERS 1 full retirement when age + service reach 85
  • 4% guaranteed yearly interest on KPERS 3 accounts

Kansas teacher pension calculator

1 About you
2 Your KPERS service
Add a joint annuitant (optional, for survivor options)
Your estimated monthly check

Fill in the form and we'll show your tier, your monthly benefit, the date you reach full retirement, and what working longer adds.

Not sure which plan you're in? Start with which tier am I? The benefit formula explains the KPERS 1 and 2 math, how KPERS 3 works covers the cash-balance plan, and retiring early shows the cut at each age.

Common questions

How is a KPERS pension calculated?

KPERS 1 and KPERS 2 use a formula: final average salary × multiplier × years of service. The multiplier is 1.85% (KPERS 1 service before 2014 earns 1.75%). KPERS's example: $40,000 × 1.85% × 30 years = $22,200 a year. KPERS 3 is a cash balance plan: your account balances are divided by an annuity factor.

When can I retire from KPERS?

KPERS 1: Full benefits at age 65 with 1 year of service; age 62 with 10 years; or any age when your age plus years of service equal 85 points. KPERS 1 only. KPERS 2 and 3: Full benefits at age 65 with 5 years of credited service, or age 60 with 30 years. Every tier can retire early, with a reduced benefit, at 55 with 10 years.

Does KPERS give a cost-of-living increase?

KPERS retirees don't receive regular COLAs; any increase needs a new law. KPERS 3 members can choose a self-funded 1% or 2% COLA at retirement, paid for with a lower starting benefit.

Is this the official KPERS calculator?

No. This is an unofficial estimate built from KPERS's published guides. It is not affiliated with KPERS. Your KPERS online account has the official benefit calculator, and KPERS decides your benefit.

Compare Kansas with other states

All state comparisons

Plain-English guides

How your pension works

Which tier am I?KPERS 1, 2 or 3: one date decides it, and what each tier means.The benefit formulaFinal average salary × multiplier × years, and how KPERS rounds service.How KPERS 3 worksContributions, retirement credits, interest, dividends and the annuity factor.Retiring earlyWhen you can retire, the KPERS 1 points rule, and the early cut at each age.Buying service creditWhat service you can buy and what each year adds to your check.KPERS glossaryPlain-English definitions of KPERS terms.

Planning your exit

Leaving teaching: withdraw or keep it?What a withdrawal pays, what it gives up, and keeping a vested benefit.Taxes on your KPERS pensionFederally taxable, exempt from Kansas income tax, and the Schedule S lines.KPERS and Social SecurityYour KPERS pension comes on top of Social Security.

After you retire

Working after retirementThe waiting periods, no earnings limit, and what your school pays.COLANo regular COLA for KPERS 1 and 2; the KPERS 3 self-funded COLA.Retiree health coverageKPERS has no retiree health plan; your employer's plan and Medicare.Death, survivor and disability benefitsThe retiree death benefit, benefits if you die while working, and disability.

More calculators

One more year?What working longer adds, with KPERS's own Dan example.Payment optionsMaximum, joint survivor, life certain and the partial lump sum, in dollars.

KPERS has no DROP for teachers and school employees; the Deferred Retirement Option Program is only for Kansas Police and Firemen's members. To take cash at retirement, see the partial lump sum on Payment options.

Source: KPERS Membership Guide: KPERS 1 & 2, Correctional KPERS 1 & 2, Revised 2/26, pp. 13, 12, 14. Also: KPERS Pre-Retirement Planning Guide for KPERS 1 & 2 (1/25), pp. 8, 6, 7, 6-7, 10, 19. Also: KPERS 2 Benefits at a Glance (rev. 5/25), PDF pp. 2, 1. Also: KPERS 3 Retirement Options (rev. 5/25), PDF p. 1. Also: KPERS 3 Pre-Retirement Webinar slides, slides 11, 19. Also: KPERS Actuarial Valuation as of Dec. 31, 2025 (July 16, 2026), pp. 152, 151, 153. Also: KPERS 1 & 2 Pre-Retirement Webinar slides, slides 10, 11. Last reviewed .